Do Discover Card's Peggy Commericals Appeal to our Xenophobia or Are they Just Clever?

I'm not trying to start a mess, y'all. When I first saw Discover Card's commercial series featuring Peggy, I laughed. She works for "USA Prime Credit" and is a bearded, incompetent customer service representative played by a white male who speaks with a thick accent, choppy English, and she only responds "yes." Again, I laughed. Who hasn't dealt with a "Peggy"? And what a way to send the message

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